>> Why First Trust Mortgage and Allen Robinson for Your Mortgage Planning!!

Recently I was asked why should I get my mortgage from or refer FIRST TRUST MORTGAGE AND ALLEN ROBINSON? I thought about the question for a moment and I started to tell why. After I was finished, the client said “I had no idea there is a mortgage company like First Trust Mortgage and a mortgage planner like you”. After my meeting I decided if this client did not know why we are different there must be others!!

First Trust Mortgage and Allen Robinson differ from most mortgage companies andor mortgage originators because we work “By Referral Only”. What this means to you is that when most mortgage loan originators are spending 70% of their time looking for new business from the general public, we are devoting that time to you delivering world class service and exceeding your expectations of the loan process. We have built our business around this philosophy which allowed us to develop and implement three critical systems to insure you get the most insightful knowledge available. We understand your choice of both home loan and lender carry long lasting and ever changing consequences.

Please read about these important factors that will help you maximize your savings and build the foundation for a secure financial future.

***How do you get the best loan?

The most important factor in determining the best loan for your unique situation is not interest rate, but rather the true, lowest total cost. Let me explain..

Rates, fees, points, processing, closing costs and more-- how do you sort it all out? What are you truly paying for your home loan? The gauge that many consumers use to decide which loan makes the wisest choice is usually interest rate alone. And while this seems like common sense, it can actually be a mistake that could cost them thousands of dollars.

How is this possible?

It is because the true cost of a loan is determined not just by the interest rate, but also other variables like fees, closing cost, processing, and most importantly, the time you plan to live in the home. The only way to truly know if you are getting the best loan is by having a “total cost analysis” performed on several different loan programs that all factor into your unique circumstances.

Why don’t other lending institutions share this information with their clients?

It takes a lot of work for a traditional loan officer to give you the lowest total cost, say over a period of 7 years, on just one loan. Not to mention to give you accurate information on four or more different loan programs. Yet, without this information, you cannot make a truly informed decision.

That is why FIRST TRUST MORTGAGE invested thousands of dollars in an exclusive software program. This program allows us to give you a detailed total cost analysis on not only one loan program, but up to four different programs simultaneously.

Now you can see in black and white what the best loan is for your unique situation. No more guessing. No more deciding by interest rate alone. In fact, you can now run different scenarios that can tell you...

* Which home loan will help you build valuable equity most quickly.

* Which loan is easiest on monthly cash flow.

* Which option will get you debt free the quickest.

* Which loan has the best tax breaks.

* How down payment can affect total cost and interest rates.

* Which choice has the lowest total cost over the time you live in your home.

* With this information in hand you can make your decisions with confidence.

* Your home loan is one of your largest investments.

So much is riding on your decision, do not choose a mortgage program without

seeing the true, total cost picture.

***Now lets take a look at a second way we can help you capture even more savings

on your home loan. We make sure your loan is the best-both now and in the future. The

only thing any of us can predict with 100% accuracy about the future is that things will

change. Those changes can have a profound effect on how well your current loan fits

your future financial goals.

At FIRST TRUST MORTGAGE we want to make sure that you not only get the best loan you possibly can right now, but we want to make sure it stays the best loan for your future. That is why we have created an exclusive service for our clients called “RateWatch”. This unique service keeps you informed and aware of the most important financial changes in the market.

Even more importantly, Rate Watch can keep you from missing critical windows of financial opportunities.

The worst feeling in the world is to know that you have missed out on a great opportunity that was easy to take advantage of. It feels even worse when that missed window costs you thousands of dollars. Too many times over the years we’ve had clients call us about refinancing their homes two weeks too late. Interest rates had climbed back up. They tell us, “ if only we had known the rates were so low, we would have refinanced.” Unfortunately, once that window of opportunity to save thousands by refinancing slams shut it often stays shut for years.

To solve that frustrating and costly problem for our clients, we have created the Rate Watch service. As a client of FIRST TRUST MORTGAGE, you are automatically enrolled in this program. That means that you have the opportunity to request updates that compare your existing mortgage loan to the best possible loan on the market. In your hands you will have a side-by-side comparison of interest rates, monthly savings, and total loan cost. You will see in black and white whether it is time to refinance or not. And you will receive this information in time to take action if the savings are large enough. RateWatch will also inform you about how much money you can save and how quickly you can build equity by making small additional principal payments. The FIRST TRUST MORTGAGE RateWatch program gives you a powerful edge in achieving a secure financial future.

***The third and final way to maximize your savings on a mortgage is the old cliche

THE POWER OF CHOICE. When selecting a loan, you have two

roads available to you. The path you choose can decide whether you truly get the best

loan for your needs.

The first path you may choose is to work directly with a single lender. The second direction you can travel is to work with a correspondent lender (First Trust Mortgage). Keep in mind a direct lenderbank funds your loan, they only offer a few loan programs and do not represent any other lenders. On the other hand, a correspondent lender may represent anywhere from 35 to 130 different lenders. In our case, we represent over 50 lenders from across the United States. The main disadvantage of going with a lender is this...

A direct lender will change their rates every day. And there is no one lender who consistently has the lowest rates on a daily basis. So if you talk to a lender, they may have a great rates one day, but that doesn't mean they will have even close to the lowest rate 5 days from now when it is time to lock in your loan. But as a correspondent we have the ability to deal with lenders that have the lowest interest rate on any given day.

With today's hectic schedules it is impossible for most of us to find and contact 130 separate lenders from across the United States trying to find the lowest interest rates on any given day. On the other hand, those 50 lenders contact us on a daily basis to let us know what their interest rates are. Just as importantly, FIRST TRUST MORTGAGE can find programs that have better policies more suited to your unique needs. Simply put, some lenders are more lenient, some are tougher, and some prefer certain borrower/scenarios while another lender may want something completely different. As mortgage planners, First Trust Mortgage has the unique advantage of knowing which lender is more likely to accept your unique loan package for the best rate. This means you can be sure of not only getting a better loan but also of having the smoothest lending process.

If you are a Realtor, builder, financial planner, accountant or any other financial services provider I wish to point out one last item. At First Trust Mortgage we place a high value on client loyalty and realize how difficult client retention is with the current level of competition. Consequently, every client that you refer will be entered into a system that clearly identifies you as the referral source and the service you provide. I am shocked when other professionals allow their customers to use the services of another non-competing professional that may use the services of a competing professional. Rest assured, when our records reflect you as the referral source we will not introduce other competing services to them.

Thanks for taking the time to read this report and I trust you have a better understanding of Why? First MortgageAllen Robinson should be your lender for life. If you decide to take advantage of this unique opportunity to work together, I will need your help also. I rely on people like you to give their heartfelt endorsement to those in your sphere of influence. My vision is to build lifelong relationships one person at a time starting with you.